CIBC National Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 49.98 percentage points higher than in Q1 2026, at 215.86%. As of Q2 2026, CIBC National Trust Company ranks first in Georgia on CET1 ratio among 79 banks, at 215.65%. Against a median of 15.07% for banks in the $100M-1B asset tier, CIBC National Trust Company reported 215.65% on CET1 ratio in Q2 2026, 200.58 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 215.65% |
| Tier 1 risk-based capital ratio | 215.65% |
| Total risk-based capital ratio | 215.86% |
| Tier 1 leverage ratio | 59.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $176.8M |
| Tier 1 capital | $176.8M |
| Total risk-based capital | $177.0M |
| Total equity capital | $278.8M |
| Risk-weighted assets | $82.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 67.53% |
| Tangible equity to tangible assets | 56.02% |
| Equity capital to average assets | 69.94% |
| Internal capital growth rate | 5.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $168.0M |
| Retained earnings | $108.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 216.73% | 216.73% | 216.92% | 74.14% | $63.7M |
| Q4 2023 | 178.97% | 178.97% | 179.19% | 66.41% | $79.4M |
| Q1 2024 | 193.31% | 193.31% | 193.51% | 73.45% | $74.6M |
| Q2 2024 | 216.31% | 216.31% | 216.47% | 61.10% | $67.9M |
| Q3 2024 | 205.28% | 205.28% | 205.49% | 59.45% | $73.7M |
| Q4 2024 | 190.77% | 190.77% | 190.87% | 64.34% | $87.1M |
| Q1 2025 | 182.13% | 182.13% | 182.25% | 57.63% | $87.1M |
| Q2 2025 | 250.61% | 250.61% | 250.77% | 57.79% | $64.3M |
| Q3 2025 | 246.57% | 246.57% | 246.67% | 58.81% | $67.2M |
| Q4 2025 | 198.55% | 198.55% | 198.66% | 61.05% | $86.6M |
| Q1 2026 | 165.78% | 165.78% | 165.88% | 60.56% | $104.1M |
| Q2 2026 | 215.65% | 215.65% | 215.86% | 59.61% | $82.0M |
CIBC National Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CIBC National Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CIBC National Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91325) · FFIEC NIC profile (RSSD 975751)